Life Insurance Lawyer Tallahassee Florida

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What is a contestability clause with respect to a life insurance claim?

A contestability clause is a provision in a life insurance policy that allows the insurance company to contest a claim within a certain time period, typically the first two years of the policy's issuance. During this time, if the insurer discovers that the policyholder made misrepresentations or omissions on the application, such as failing to disclose a pre-existing medical condition or a risky occupation or hobby, the insurer can deny the claim and potentially cancel the policy. The purpose of the contestability clause is to allow the insurer to investigate and verify the information provided by the policyholder before it becomes obligated to pay out a claim. After the contestability period has passed, the insurer can only deny a claim if it can prove that the policyholder committed fraud.

2023-2024 Tallahassee Florida Denied Life Insurance Claims Resolved

  • Ohio National interpleader claim $235,000.00
  • The Hartford life insurance claim $96,000.00
  • Accidental Death & Dismemberment Tallahassee $100,000.00
  • Dearborn COVID-19 claim rejected $50,000.00
  • AAA life insurance denial which we resolved $127,000.00
  • Guardian Life autoerotic asphyxiation $306,000.00
  • North American beneficiary dispute $112,000.00
  • Tallahassee FL denied life insurance claim $40,000.00
  • MD Life coronavirus death benefits $101,000.00
  • NTA life nonpayment lapse of policy $37,000.00
  • USAA delayed life insurance claim $102,000.00
  • Stonebridge drug exclusion $51,200.00
  • Alfa act of war exclusion won $40,000.00

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